The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$65,777
−HK$4,125/mo
▼ 0.25% · 3.875%
HK$67,823
−HK$2,079/mo
Today · 4.125%
HK$69,902
baseline
▲ 0.50% · 4.625%
HK$74,156
+HK$4,254/mo
Deposit HK$14.42M · loan HK$14.42M · min. income ≈ HK$139,804/mo (50% DSR)
Upfront cash ≈ HK$15.65M (deposit + AVD stamp duty HK$1,225,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,177
−HK$3,953/mo
▼ 0.25% · 3.875%
HK$75,139
−HK$1,991/mo
Today · 4.125%
HK$77,130
baseline
▲ 0.50% · 4.625%
HK$81,196
+HK$4,066/mo
Deposit HK$14.42M · loan HK$14.42M · min. income ≈ HK$154,260/mo (50% DSR)
Upfront cash ≈ HK$15.65M (deposit + AVD stamp duty HK$1,225,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,933
−HK$4,950/mo
▼ 0.25% · 3.875%
HK$81,388
−HK$2,495/mo
Today · 4.125%
HK$83,883
baseline
▲ 0.50% · 4.625%
HK$88,987
+HK$5,104/mo
Deposit HK$11.54M · loan HK$17.31M · min. income ≈ HK$167,766/mo (50% DSR)
Upfront cash ≈ HK$12.76M (deposit + AVD stamp duty HK$1,225,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,812
−HK$4,744/mo
▼ 0.25% · 3.875%
HK$90,167
−HK$2,389/mo
Today · 4.125%
HK$92,556
baseline
▲ 0.50% · 4.625%
HK$97,435
+HK$4,879/mo
Deposit HK$11.54M · loan HK$17.31M · min. income ≈ HK$185,112/mo (50% DSR)
Upfront cash ≈ HK$12.76M (deposit + AVD stamp duty HK$1,225,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,088
−HK$5,775/mo
▼ 0.25% · 3.875%
HK$94,953
−HK$2,910/mo
Today · 4.125%
HK$97,863
baseline
▲ 0.50% · 4.625%
HK$103,818
+HK$5,955/mo
Deposit HK$8.65M · loan HK$20.19M · min. income ≈ HK$195,726/mo (50% DSR)
Upfront cash ≈ HK$9.88M (deposit + AVD stamp duty HK$1,225,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,447
−HK$5,535/mo
▼ 0.25% · 3.875%
HK$105,195
−HK$2,787/mo
Today · 4.125%
HK$107,982
baseline
▲ 0.50% · 4.625%
HK$113,674
+HK$5,692/mo
Deposit HK$8.65M · loan HK$20.19M · min. income ≈ HK$215,964/mo (50% DSR)
Upfront cash ≈ HK$9.88M (deposit + AVD stamp duty HK$1,225,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,399
−HK$7,425/mo
▼ 0.25% · 3.875%
HK$122,082
−HK$3,742/mo
Today · 4.125%
HK$125,824
baseline
▲ 0.50% · 4.625%
HK$133,480
+HK$7,656/mo
Deposit HK$2.88M · loan HK$25.96M · min. income ≈ HK$251,648/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$1,225,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,718
−HK$7,116/mo
▼ 0.25% · 3.875%
HK$135,251
−HK$3,583/mo
Today · 4.125%
HK$138,834
baseline
▲ 0.50% · 4.625%
HK$146,153
+HK$7,319/mo
Deposit HK$2.88M · loan HK$25.96M · min. income ≈ HK$277,668/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$1,225,976 · Scale 2, in force from 26 Feb 2026)